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What information do I need to provide to have a Xapo account?

In order to provide safe and secure global banking services for our users worldwide, we verify the identity of all of our users, through an official government-issued photo ID and proof of residence in your name. These are necessary pieces of information we require of anybody who wishes to make transactions in and out of their account.

The following is a guide to the requirements of the supporting documents we ask of you.


ID Review and Validation

These are the requirements that must be met with your provided ID:

Acceptable Not acceptable
Type of ID ✅ Passport ❌ Non-photo ID
✅ Driver's License ❌ Residence Card/Permit
✅ National ID Card ❌ Voter ID
ID Requirements ✅ Color copy ❌ Black & white copy
✅ Display full date of birth ❌ Birth year only shown
✅ Fully typed ❌ Any handwritten text
✅ Full first and last name ❌ Initials for any names
✅ Valid expiration date ❌ Expired document

Please also make sure that the photocopy of your ID meets the following requirements:

  • Shows the entire ID, without any parts cut off or missing
  • Clearly visible, without any flash reflection
  • Unaltered original document, without any added text, comments or edits

Proof of Address Review and Validation

These are the requirements that must be met with your provided proof of address:

Acceptable Not acceptable
Type of POA ✅ Utility bill ❌ Non-government ID
✅ Credit card bill ❌ Rent/lease agreements
✅ Insurance bill ❌ Payslips
✅ Monthly bank statement ❌ Letters/envelopes
Government-issued ID(not eligible for U.S. users) ❌ Voter ID
POA Requirements ✅ Issue date less than 3 months old ❌ Documents older than 3 months
✅ Logo of company/bank ❌ No logo
✅ Full name matches user ❌ In a family member's name
✅ Display the full address ❌ P.O. Boxes
✅ Written with Latin characters ❌ Non-latin text without official translation

Please also make sure that the photocopy of your POA meets the following requirements:

  • Shows the entire document, without any parts cut off, folded or missing
  • Clearly visible, without any flash reflection
  • Unaltered original document, without any added text, comments or edits

Once you are ready, you can upload your verification documents through this form.

Documents that don’t fulfill the requirements above will be rejected.

You can explore in more detail how documents are reviewed by our Compliance team and the reasons why submitted documents are rejected.

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